AFM is a "best-in-class" monoline property insurer for the middle-market segment of business and industry. Our property insurance products and engineering solutions are delivered to our clients exclusively through established partnerships with a network of select brokers. Our clients benefit from these long-term partnerships because we help them lower their cost of risk over time. A lower cost of risk enables us to invest in our clients and brokers and provide broad coverage, stable capacity and world-class engineering services, all at a competitive price.